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While the housing market has strengthened in parts of Tennessee, there is still a need to help homeowners that are continuing to experience negative effects due to the housing crisis.

The Tennessee Housing Development Agency (THDA) provides mortgage assistance to homeowners across the State of Tennessee. The purpose of these programs are to assist homeowners of low to moderately low incomes remain in their homes and avoid foreclosure.

Principal Reduction with Recast Program or Lien Extinguishment

The Principal Reduction with Recast Program or Lien Extinguishment (PRRPLE) will lower monthly mortgage payments to affordable levels for eligible homeowners by providing (i) a reduction in the principal balance of their first mortgage loan, combined with a loan recast or modification, or (ii) principal reduction which results in a full lien extinguishment. Click here to learn more about PRRPLE.

Reinstatement Only Program

The Reinstatement Only Program (ROP) will provide assistance to homeowners who have fallen behind on their mortgage loans and are in imminent danger of losing their home to foreclosure due to a qualified hardship that occurred after they acquired their home. Click here to learn more about ROP.

Suspected Fraud
Any suspected fraud in connection with HHF Programs should be reported to THDA for immediate review. THDA reserves the right to decline funding or participation if it is determined that fraud has occurred.